Why should transaction fee be a threat here for making payments when you have the right or ability to influence the charges you will be billed, first check the mempool if it's busy or not before commencing a payment, try use wallet like electrum which provides the function to adjust the transaction fees even when the payment has be made incase of when the mempool is busy, this allows you to increase the charges to quickly get confirmed and you can also use the lowest fee and quickly get confirmed as long as the mempool is not congested as also, you can't compare this bitcoin transaction fee to other cryptocurrencies which has higher amount of charges.